Sinn Féin bill to reinvest proceeds seized by CAB in disadvantaged…

first_imgCllr Maurice QuinlivanA SINN Féin bill that would see money seized by CAB put back into disadvantaged communities passed first stage in the Dáil today.Speaking on the issue Limerick Sinn Féin TD, Maurice Quinlivan said: Sign up for the weekly Limerick Post newsletter Sign Up “The vast majority of the money seized by the Criminal Assets Bureau has been extracted from the communities in which the criminals have been active. Too often these are the most disadvantaged communities in the state and often suffer the most from criminal activity.  These assets must be returned to these communities. These communities, some of them in my own constituency, have been devastated by the impact of crime and it is only right that assets seized in the course of these CAB operations are re-invested in them.”The Limerick TD continued: “Sinn Féin has always advocated that any money seized by CAB should be put back into communities to build resilience and to enhance existing community services. My colleague, Aengus Ó Snodaigh, first raised this over 10 years ago. I had a motion to this effect when I was on Limerick Council in 2014.”“In 2019 the Criminal Assets Bureau seized almost €65 million in cash and assets. This is a huge increase on previous years and is very welcome news. These seizures send an important signal to those considering nefarious activities. Crime doesn’t pay. Parts of Limerick have been devastated by the impact of crime. Too many lives have been lost, too many families have been torn apart by drug use over the years.”“If passed, this bill would require the Minister for Finance to carry out a review of the financial supports required for disadvantaged communities affected by crime, and to reinvest the money generated through the seizure of assets by CAB in those communities. This should be done with a view to alleviating the impact of crime and enhancing crime prevention measures. If enacted I believe this bill could be a game changer for many communities.”“This money invested in our communities needs to be on top of allocated resources, and not seen as a replacement. Building community resilience is vital. Drug tasks forces, family resource centres, youth organisations, unemployment services, sports clubs and others who work in disadvantaged areas should benefit from this fund. In Limerick for example, the drugs and alcohol forum have seen no increase in funding for over 10 years.Deputy Quinlivan continued:  “Some working-class areas of Limerick have been absolutely ravaged with this problem. As recently as this week, the Gardaí have made significant seizures of drugs and money in Limerick. We need to ensure that money seized by CAB goes to the right places, such as addiction services and interventions in areas affected.”“I am fed up with criminal gangs forcing Limerick parents, grandparents and siblings to pay off debts that end up being significantly higher than the initial money when the debt started. I am fed up with the disdain of these criminals and how they flaunt their wealth while holding vibrant communities’ hostage.” “These gangs can replace the runners and low-level dealers when they are charged, but it is much harder for them to replace and maintain the assets and earnings that they gain from their criminal activities.” Roisin Upton excited by “hockey talent coming through” in Limerick Advertisement WhatsApp Billy Lee names strong Limerick side to take on Wicklow in crucial Division 3 clash Facebook Linkedin Twitter Previous articleNew Report from MIC Reveals the Reality of Human Trafficking in IrelandNext articleCoroner calls for national database of unidentified remains after inquest hears family of missing Denis Walsh were unaware his remains were stored in hospital mortuary for 18 years before being buried in communal grave Staff Reporterhttp://www.limerickpost.ie Printcenter_img RELATED ARTICLESMORE FROM AUTHOR Donal Ryan names Limerick Ladies Football team for League opener Limerick’s National Camogie League double header to be streamed live WATCH: “Everyone is fighting so hard to get on” – Pat Ryan on competitive camogie squads Limerick Ladies National Football League opener to be streamed live TAGSKeeping Limerick PostedlimerickLimerick PostMaurice Quinlivan TD Email LimerickNewsPoliticsSinn Féin bill to reinvest proceeds seized by CAB in disadvantaged communities passes first stageBy Staff Reporter – April 30, 2021 266 last_img read more

Counsel’s Corner: Facing Challenges in Financial Services

first_imgHome / Daily Dose / Counsel’s Corner: Facing Challenges in Financial Services The Best Markets For Residential Property Investors 2 days ago October 26, 2017 1,111 Views Data Provider Black Knight to Acquire Top of Mind 2 days ago HOUSING mortgage 2017-10-26 Nicole Casperson Counsel’s Corner: Facing Challenges in Financial Services Share Save Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Nicole Casperson is the Associate Editor of DS News and MReport. She graduated from Texas Tech University where she received her M.A. in Mass Communications and her B.A. in Journalism. Casperson previously worked as a graduate teaching instructor at Texas Tech’s College of Media and Communications. Her thesis will be published by the International Communication Association this fall. To contact Casperson, e-mail: [email protected] Editor’s note: This article first appeared in the October issue of DS News, out now. Kerry Franich is a certified specialist in appellate law who works in Severson & Werson’s Orange County office where he prosecutes and defends State and Federal Appeals covering subjects including financial services, real estate, arbitration, unfair competition, discrimination, judicial disqualification, and civil procedure. DS News spoke with Franich about the greatest challenges financial services’ attorneys are facing today and how his years of experience help him navigate today’s climate.What current challenges are appellate attorneys who work in default litigation facing?Procedurally, court congestion has worsened in many jurisdictions, which causes a lot of appeals to progress at a seemingly glacial pace. That’s frustrating for both us and our clients, particularly when a sale is being delayed because of an appeal.  Similarly, cases filed in trial courts these days often survive longer than cases filed several years ago because today’s cases are usually less vulnerable to pleadings challenges. More frequently, eliminating them requires a motion for summary judgment or trial.  So, one challenge is ensuring that our clients don’t get trapped in a holding pattern just because of a pending appeal or lawsuit. We find that stagnant cases often lead to other problems: property preservation issues, needless escrow advances, and ballooning loan balances, all of which reduce the probability of the borrower curing the default or qualifying for a modification. There are substantive challenges too. Regulatory compliance is rightly a top concern for most of our clients right now, but there are also basic macro-level changes occurring in the law right now that are equally important.  For example, in some jurisdictions, our basic understanding of loan servicers’ roles and obligations is changing. Do they owe borrowers a duty of care when reviewing loan modification applications? Courts are dividing over that question, so the answer may depend on the jurisdiction in which you’re litigating.  Likewise, litigation involving the various state homeowner bills of rights that were enacted years ago are now reaching appellate courts. So, we’re starting to receive guidance from those courts about what certain sections of those bills mean and require.  In short, the challenge is keeping up with rapid changes in law, anticipating the direction the law is headed, and writing briefs that help shape the law’s direction.   What strategies can servicers employ to avoid costs and delays? It obviously depends on the case, but generally speaking, there are a few strategies that servicers can consider. The common theme running throughout them all, however, is to be proactive rather than reactive: foreclose, sell, and evict.   Absent confirmed wrongdoing or a genuine threat of exposure to liability, foreclosing, selling properties out of REO, and evicting as quickly as possible tends to mitigate costs and reduce the probability of sequel lawsuits. In some cases, proceeding with a foreclosure, sale, or eviction can also prompt new settlement negotiations or voluntary dismissals. However, depending on your jurisdiction and the facts in your case, this strategy may be unavailable (for example, there’s a stay forbidding a sale).  In addition, servicers should stop successive modification reviews if possible. Anyone on the front lines of foreclosure-related litigation has no doubt encountered the homeowner who applies for a loan modification after filing a lawsuit, is denied, and then re-applies again a few days, weeks, or months later. This area is fertile ground for wasting both time and attorney fees.Successive reviews can also be dangerous. For example, when a borrower files a meritless lawsuit after repeatedly getting denied a loan modification, but the servicer thereafter commits an egregious mistake while re-reviewing him or her (such as inadvertently foreclosing during the review). Servicers need to be careful to avoid creating liability where there was originally none.  Depending on the jurisdiction and the circumstances of the case, a servicer may be required to re-evaluate the homeowner for a loan modification. However, if no obligation exists, servicers that value efficiency will choose to decline starting another review when it has no chance of success and creates no advantage in defending the litigation.  In what ways do you help the servicers you work with streamline the appeals process? We search for ways to terminate the appeal short of a decision on the merits. In cases pending in backlogged appellate courts, search for opportunities to ditch the appeal earlier by motion. Appellate courts tend to issue decisions on motions a lot faster than full-blown decisions on the appeals’ merits. Sometimes, this is as easy as identifying a jurisdictional defect, like an untimely appeal. But there are other more subtle attack strategies too. Has a pivotal issue in the appeal become moot? Is there a way to have a party designated as a vexatious litigant?  Is there an order you obtained in the trial court you can enforce while the case is on appeal? If so, that might be a source of unexpected leverage—most appellate courts have the inherent power to dismiss an appeal where a party fails to comply with a trial court order (the disentitlement doctrine). In short, don’t assume you’ll need to wait two years for an appellate court to file a decision on the merits. There may be a way to kill the case earlier.  How can attorneys partner with servicers to predict and plan for litigation expenses?  Forming an estimated budget at the suit’s inception is typically helpful for both us and our clients. And if something in the case occurs that dramatically impacts the budget’s estimate, then obviously updating the budget is important.  Flat fee billing structures are helpful for those clients that want greater accuracy in forecasting legal expenses.  Another area that is sometimes overlooked is scrutinizing whether any offensive litigation can be filed that might offset the cost of defense. Default servicing litigation has traditionally been strictly defensive in nature. But an unsettling number of lawsuits against servicers sometimes reveal fraud and other misconduct committed by borrowers or other third parties.  Yes, pursuing a cross-complaint may be futile if the target has no assets.  But not always.    Tagged with: HOUSING mortgage Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, Headlines Previous: Previous Post Next: Existing Home Sales: Owners Aren’t Budging Data Provider Black Knight to Acquire Top of Mind 2 days ago About Author: Nicole Casperson The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Subscribelast_img read more

‘Make The Point First, Show Relevant Facts And Support It With Law’ : Sr Adv Akhil Sibal Discusses Court Craft [Watch Video]

first_imgTop Stories’Make The Point First, Show Relevant Facts And Support It With Law’ : Sr Adv Akhil Sibal Discusses Court Craft [Watch Video] LIVELAW NEWS NETWORK25 May 2020 8:36 AMShare This – xSibal also extensively spoke about his methodical and clinical approach towards studying briefs.In an insightful and engrossing session, Akhil Sibal, Senior Advocate of Supreme Court, discussed his approach towards dealing with case briefs and structuring arguments in court.He was talking at a webinar organized by R&R Law Chambers on the topic ‘Mastering Briefs & Structuring Arguments’. The session lasting for almost one and half hours was moderated by Rohan Batra and…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginIn an insightful and engrossing session, Akhil Sibal, Senior Advocate of Supreme Court, discussed his approach towards dealing with case briefs and structuring arguments in court.He was talking at a webinar organized by R&R Law Chambers on the topic ‘Mastering Briefs & Structuring Arguments’. The session lasting for almost one and half hours was moderated by Rohan Batra and Reena Choudhary, Partners at R&R Law Chambers.Key takeaways from the session :While clarifying that he has no straight-jacket formula when it comes to structuring arguments, he said that he followed a general pattern with respect to structuring arguments in court.If there are preliminary objections, they would be raised at the beginning itself. As regards merits, the attempt would be to put across the best points as quickly as possible, and avoid detailed narration of facts.”My starting point is not to start with the facts. I don’t want the judge to get impatient wondering what the argument is. The sooner the judge knows what the argument is, the sooner she can start thinking about it. Then the facts as you place them will have a context. De hors the argument, the judge cannot appreciate why you are focusing on certain facts and not others. So I try to make the point at the outset and the detailing should come after”, he said about his approach in higher courts..This approach, he said, makes the arguments more cohesive. Make the point, show the relevant facts, and support it with the relevant law – he described his pattern.Think in terms of propositions of fact and lawHe said that it was important to think in terms of “propositions of facts and law”.”Fact is a statement of what happened. Proposition of fact is a factual inference that you wish to derive from the fact; it is the point you wish to make with respect to a fact. It is a fact bundled with an argument”, he explained.Stating propositions of facts is more effective in getting the point across, than mere narration of facts.Opening submissionsHe said that his preferred style was to get the judge thinking immediately. Start with points that will grab the judge’s interest. “You will have to pique interest. You need a big picture beginning. A trailer to captivate the attention of the judge. Remember, the judge might have also read the brief and might have come with pre-conceived notions.  So, you need to think of something that will appeal to the judicial mind and judicial conscience. For that, you need to think from the shoes of the judge”, he said.He added that it was not his personal style to make an overly dramatic beginning, but a focused and pointed one. “Some lawyers are theatrical. That can also yield results. It is a matter of personal style”, he said.Need to know opposite side’s argument.It is important to know the opposite side’s argument. One should try to build their argument to the hilt and demolish it.One must also think out of the box with respect to the opposite side’s arguments, without getting confined by what is stated in their brief or pleadings. This will avoid situations of you being caught unawares by an out of box argument raised by them in court.. “You must test the strength of your argument based on your independent thought, having built up the opposite side’s case as if you have accepted their case”, he said.Sibal also explained that he factors in who the opposing counsel is while readying his arguments in court. “I will be conscious about who are appearing at the opposite side. Over time, you will understand the lawyers, what tricks they have up their sleeves, what style they follow, how well prepared are they with their briefs etc. You play to your strength and their weaknesses”, he said.The idea is to make your experience in court as predictable as possible.Don’t combine good arguments with bad arguments If you combine good arguments with bad arguments, it can reduce the overall credibility of your case. The way the mind works, and the way the judge absorbs the case, is based on the overall impact of the arguments. If you sneak in terrible arguments with good arguments, the judge starts to doubt your better points which you argued with greater conviction. Focus on winnable arguments, be selective, as time is limited.He added that if the case is generally weak on merits, and the strongest point is also not that appealing, he might use a combination of weaker arguments, hoping any of it might strike. He also highlighted the importance of knowing the court room personality of the judge. Certain aspects matter more before certain judges. Some judges have certain intellectual and policy leanings. You can’t have a one size fix all approach before everyone.  Need to be flexible alsoIf the argument which you thought was convincing is not working with the judge, don’t  flog it beyond a point.As a counsel you need to have flexibility, and you need to think quickly on your feet, to dial back and course correct and abandon that argument, instead of just drilling at it.Otherwise, you will end up derailing the case and getting nowhere, he cautioned.At times like that, you have to re-calibrate, and shift gears, and fall back on another argument, which you may have thought as weak.Mastering the briefSibal also extensively spoke about his methodical and clinical approach towards studying the briefs.He said that he never goes to the court without thoroughly reading the briefs himself. “To go to court, merely on the basis of a note that your junior has prepared overnight, telling you what the case is about, without having read some part of the pleadings is a very risky proposition. I would not recommend it , even if it means waking up in the wee hours to read parts of it”, he said. Read impugned judgment first in the appellate sideHe said that he followed the pattern of reading the pleadings when it comes to cases in the original side. That will help one understand the foundation of the case.When it comes to appellate side cases, he reads the impugned judgment first.”In an appeal you cannot avoid reading the impugned judgment line by line”, he said.”I will go straight to impugned judgment and will try to remain as unencumbered as possible from the brief. I will try to formulate my own thoughts, without the weight of how the appellant has cast the appeal. With a critical eye, I think for myself, how convincing does this logic (of the judgment) sound. I look for any logical missteps, lacuna.. Based on that, I go to the materials that the judgment relies on, to see if my first instincts about the weaknesses about the judgment are good, and i will refine my thoughts accordingly. Then i go to the grounds of appeal, and formulate my final and most refined version of arguments, which remains a work in progress”, he explained the process.Read the brief cover to cover, especially during the early days of profession.He stressed on the importance of developing the habit of reading the briefs thoroughly, cover to cover, during the early days of the profession.”In the early years, I would make it a point to read the brief line to line, cover to cover. It requires a lot of hard work and commitment, but I would recommend doing that. If you have read everything, you are ahead of the game. Then it is possible for you to spot less obvious points, obscure points, which may have skipped others notice, and which may turn out to be critical.This can make you come up with new, original points. In the course of hearing, there will be factual questions from court. The other sides may also make factual reference. It is not possible for you to anticipate all these. If you have foundation of readings, as and when unanticipated questions arise, you can answer in a manner no body else can. If you are prepared with a truncated version of the file, with a note prepared by somebody else, you will be guided by someone else’s thinking, and you may get caught on the wrong footing, This may not be always practical and feasible all times as your workload increases and you progress in your career. You may have to be selective and prioritize. But by the time you will also have become better in what to look for and able to skim”, he said.This ability to spot the relevant facts through skimmed reading is developed only by continuous reading of briefs thoroughly, he stressed.”If you start skimming and skipping at the very beginning of your career, then you develop the bad habit and you are not able to sift and differentiate between what’s important and what’s not important.”He also made a pertinent comment about Indian style of pleadings :”Our Indian style of pleading in repetitive. We don’t favour lean, precise, focused pleadings. So, unfortunately, we are burdened with very very lengthy and unwieldy pleadings. But over time you do figure out what the different moving parts are and you can go starightaway to those ..and absorb them quicker. “Read the briefs actively, with a critical eyeSibal also discussed the technique of “active reading”. Drawing a comparison with watching a movie, to explain this “abstract concept”, he said that while watching a movie, we are passive, in the sense we have completely surrendered ourselves to the movie, and are absorbed in its emotions and happenings. You start ‘actively’ watching the movie, when you reflect about it afterwards, analyzing its characters and themes, and discussing it with others.He said that a similar ‘active’ approach was necessary while reading briefs.”When you read the brief, you must not be passive. You must be thinking as you go along. You should think what all legal issues may arise as you read the brief. You must develop a critical angle, a prism. This will train your brain to ask precisely the right question, and become lazor sharp and have an eagle’s eye to spot the crucial aspects.   Facts and issues will jump out at you and settle in your mind when your are reading the brief with a critical angle. It will become a memory trigger for recalling the relevant fact. It teaches you to be fiercely independent. If you are passive in reading, your brain will feel more resistance to think independently, and you feel encumbered with someone else’s perspective”. He said that when you are looking at the document, you should be actually looking for something. “You should be looking for something in the documents, something in your favour or something against you. tt will allow you to absorb and recognize the relevant fact. You must have an active engagement with what you are reading.”Best way to think independently is to re-consider the case yourself from the beginning, uninfluenced by the brief. The more you do it more you will be able to think out of box.Train your mind to act instinctively to think independently”, he said. Parting advice to youngstersSibal said that during his initial years, he used to spend a lot of time studying briefs and observing court proceedings.”There is no substitute for hard work. You need courage, you need perseverance. There will be many disappointments. But there is a lot of meaningful and fulfilling work you can do if you stay the course”, he said.He also advised that one should not be overly dependent on other’s views and advises, even though they are said with the best intentions in mind. “You need to take charge and think independently.You need to ask yourself whether it sounds right, and go with your gut and trust your instict. You might get it wrong. But gradually you will develop the right instict.If you simply follow other’s advises, you will never learn for yourselves”, he said.Also, one should be careful about one’s reputation and credibility with the court. Watch the entire session here :  Next Storylast_img read more

Burks named Ms. Senior Alabama USA 2018

first_img Email the author Book Nook to reopen Burks named Ms. Senior Alabama USA 2018 Plans underway for historic Pike County celebration By The Penny Hoarder Sara Jo Burks, assistant director of housing and resident life at Troy University has been crowned ‘Ms. Senior Alabama USA 2018.’ Burks entered the pageant after winning the same honors in Troy. Print Article Latest Stories Remember America’s heroes on Memorial Day Burks is the assistant director of housing and resident life at Troy University, where she has worked for 30 years. She works with the Miss Troy, Miss Venus and Teen Trojan pageants and that involvement has been the main motivation for her to enter the Ms. Senior Alabama USA pageants.“This was the fourth year that I have entered the Ms. Senior Alabama Pageant,” Burks said. “I want to be the best example I can be for the young women who enter the pageants I work with. I want them to say ‘Miss Sarah Jo understands what it’s like to be on stage in front of judges and what it’s like to be interviewed. If she can do it. I don’t have to be afraid.’ And, I want them to keep reaching for their goals. If they don’t succeed the first time, I don’t want them to give up on their dreams.”Burks said many people give up on their dreams because they think they can’t achieve their goals or they are too old. Pike County Sheriff’s Office offering community child ID kits Published 3:00 am Wednesday, August 16, 2017 Sponsored Content Troy University senior reflects on final move-in day When the dart landed on Central Street Monday, Troy University senior Chase Williams was busy moving in the last few… read more The Penny Hoarder Issues “Urgent” Alert: 6 Companies… “As contestants, we were all aware of how good the talent was,” Burks said. “Actually, it was awesome. One contestant had performed on Broadway.”Burks could have been discouraged by “awesome” talent at the pageant workshop that year but she was not.“I decided that I might not win but I was going to give them a run for the money,” she said, laughing. Burks didn’t win but she did give it a good run. After three tries, she could have decided to put the Ms. Senior Alabama dream to the side and she thought about doing so.“I began to wonder if entering the pageant was my will or God’s will,” she said. “This time, I would take my will out of it. I would turn it over to God and the desires of His heart. It would be God’s will, not mine.”With God’s lead, Burks gave the pageant one more try.At the Ms. Senior Alabama USA 2018 Pageant, Burks was relaxed, almost carefree and it showed. The other contestants were aware that things were different for Burks.“God laid it out for me and it fell into place,” Burks said.When her name was called as Ms. Senior Alabama 2018, it was affirmation that she was “to try one more time.”Now, as Ms. Senior Alabama USA, Burks will speak with all honesty about being tested, about not giving up and about doing one’s best.“Sometimes we are tested. Sometimes we don’t win. A few times we do,” she said. “When we win, we have opportunities to do something worthwhile. As Ms. Senior Alabama USA, I will take every opportunity possible to speak to young people, to encourage them to pursue their dreams and to understand that when you do your best there are rewards, perhaps, not the ones you had worked for but the ones that will work for you.”Burks said the title she now wears is a proud one but the friendships formed and experiences gained in the pageants that she did not win will be just as meaningful. You Might Like Skip Around the WebMd: Do This Immediately if You Have Diabetes (Watch)Blood Sugar BlasterIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingHave an Enlarged Prostate? Urologist Reveals: Do This Immediately (Watch)Healthier LivingWomen Only: Stretch This Muscle to Stop Bladder Leakage (Watch)Healthier LivingRemoving Moles & Skin Tags Has Never Been This EasyEssential HealthGet Fortnite SkinsTCGThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancel Sara Jo Burks is Ms. Senior Alabama USA 2018.Burks won the prestigious title at the annual Ms. Senior Alabama Pageant at Wallace Community College in Hanceville Saturday.Burks entered the pageant as Ms. Senior Troy, an at-large contestant. She said she was honored to represent Troy at the statewide pageant and is honored to have the opportunity to hold the title of Ms. Senior Alabama USA 2018. “It’s never too late and you’re never too old to dream and to make those dreams come true,” she said.For her talent in the 2018 Ms. Senior Alabama USA Pageant, Burks sang “Cry Me a River.” She was relaxed and very much at home on stage, not at all like her first talent competition in the statewide pageant.“In 2014, I competed in the pageant as Ms. Senior Pike County and I was so disappointed with my first talent performance,” she said. “I had laryngitis and sounded like a croaky frog. I was heartbroken with the way I represented Pike County but I was not discouraged. I went right back the next year and was second runner up and felt good about what I had accomplished.”In the 2017 pageant, Burks said the talent competition was believed to be the best ever. By Jaine Treadwell Troy falls to No. 13 Clemsonlast_img read more